SBI asking to take additional card for LE

[Dr. Drake]

My SBI limit has not been increased in 7 years, and it remains at 20,000 despite the submission of income documents and card statements. For the first time in 7 years, I received a message for LE, but there is a catch: it requests an additional card for LE. What should I do here?

I have BPCL and simply click as the additional card option. I currently holds simplysave. All call requests were denied😢

 

[rp0703]

My SBI limit has not been increased in 7 years, and it remains at 20,000 despite the submission of income documents and card statements. For the first time in 7 years, I received a message for LE, but there is a catch: it requests an additional card for LE. What should I do here?

I have BPCL and simply click as the additional card option. I currently holds simplysave. All call requests were denied😢

it's pre-approved, what's harm in taking it.

 

[TheTrickySid]

My SBI limit has not been increased in 7 years, and it remains at 20,000 despite the submission of income documents and card statements. For the first time in 7 years, I received a message for LE, but there is a catch: it requests an additional card for LE. What should I do here?

I have BPCL and simply click as the additional card option. I currently holds simplysave. All call requests were denied😢

Take the additional card which will give highest limit once the card is approved and gets the limit assigned, after that cancel the card without activation and ask to transfer the available limit to the old card.
Free LE

 

[ajitshukla19]

Try to find the credit limit increase options in SBI Card app. This massage means limit is already approved .
Try to check credit report option from menu or services option in app and emi and more options .

That may get you the option

 

[Dr. Drake]

Take the additional card which will give highest limit once the card is approved and gets the limit assigned, after that cancel the card without activation and ask to transfer the available limit to the old card.
Free LE

It is not showing new limits in the card neither any support executive got any clue

 

[Dr. Drake]

Try to find the credit limit increase options in SBI Card app. This massage means limit is already approved .
Try to check credit report option from menu or services option in app and emi and more options .

That may get you the option

This shows up If I manually tries to LE

 

[gabu]

Take the offer but don't activate the card. Don't use it. According to rbi new rules annual fees can't be billed if card user doesn't use the card at all.

 

[Dr. Drake]

it's pre-approved, what's harm in taking it.

It's SBI no use except diwali offers😅 Plus if they were offering cashback card wouldn't had thought about it too

 

[rp0703]

It's SBI no use except diwali offers😅 Plus if they were offering cashback card wouldn't had thought about it too

Take the card. Pay the joining fee and you'll get some welcome gift, that way most of the joining fee will be recovered. Use the card for 1 or 2 months then ask the customer care to transfer the credit limit to you main card. Then close the secondary card.

 

[Batmanbaba]

Take the card and don't activate... Card will be automatically clksed without any fees... And limjt will be increased.... Let the sbi be over smart

 

[Saul Goodman]

My SBI limit has not been increased in 7 years, and it remains at 20,000 despite the submission of income documents and card statements. For the first time in 7 years, I received a message for LE, but there is a catch: it requests an additional card for LE. What should I do here?

I have BPCL and simply click as the additional card option. I currently holds simplysave. All call requests were denied😢

Surprising! What is the final reply on your service requests after you submit your documents?

I also did not get a LE offer for 6 years. SBI's online LE options are useless. So, I recently raised a service request through email, submitted income docs and I got almost 7X LE.

 

[Saul Goodman]

Take the card and don't activate... Card will be automatically clksed without any fees... And limjt will be increased.... Let the sbi be over smart

You have to call CC and manually move the limit from new card to old card. And also minimum 10k balance should be there on the new card, they won't move the entire limit.
Once the limit is moved from new to old, then you can close the new card or just leave it as is without making any transactions.

 

[Dr. Drake]

Surprising! What is the final reply on your service requests after you submit your documents?

I also did not get a LE offer for 6 years. SBI's online LE options are useless. So, I recently raised a service request through email, submitted income docs and I got almost 7X LE.

I submitted Income docs, My other card SC statement that has 4L Limit yet nothing. I guess one of the reason could be my high utilization. I use around 60-65% of my limits

 

[Dr. Drake]

Take the card. Pay the joining fee and you'll get some welcome gift, that way most of the joining fee will be recovered. Use the card for 1 or 2 months then ask the customer care to transfer the credit limit to you main card. Then close the secondary card.

Sounds good will try this

 

[db24]

I submitted Income docs, My other card SC statement that has 4L Limit yet nothing. I guess one of the reason could be my high utilization. I use around 60-65% of my limits

instead of payslips or other bank card statements share ITR with them, and ask for LE, they trust more on ITR, recently I have increased the limit from 4.7lacs to 7.9+ lacs by sharing last year's ITR.

 

[Dr. Drake]

instead of payslips or other bank card statements share ITR with them, and ask for LE, they trust more on ITR, recently I have increased the limit from 4.7lacs to 7.9+ lacs by sharing last year's ITR.

Shared ITR too nothing. It feels like they have an enmity against me

 

[db24]

I don't have to take permission from you to post....

agree, now get lost !!!

 

[Dr. Drake]

Take the card. Pay the joining fee and you'll get some welcome gift, that way most of the joining fee will be recovered. Use the card for 1 or 2 months then ask the customer care to transfer the credit limit to you main card. Then close the secondary card.

This is mental. After clicking on avail new card & selecting simplyclick it is sharing limit from existing card (10k*2) instead of new limit..I give up with sbi now

 

[Batmanbaba]

agree, now get lost !!!

U too

 

[rp0703]

This is mental. After clicking on avail new card & selecting simplyclick it is sharing limit from existing card (10k*2) instead of new limit..I give up with sbi now

I had simplycick card with 22K limit. They were also giving me pre-approved card but with shared limit. I didn't take pre-approved and applied fresh card. On that card they gave me limit of 92K.

Try your luck and apply for fresh card. They might provide you card with higher limit.